大新金融(00440.HK)上半年純利增6.4%至14.06億港元 中期息每股1.16港元
格隆匯8月20日丨大新金融(00440.HK)公佈中期業績,2025年上半年,2025年中期業績表現穩健,公司股東應占溢利為14.06億港元,同比增長26.4%,擬派發2025年中期股息每股1.16港元。
截至6月30日止六個月的淨利息收入按年增加8%,主要由於自本年5月起在香港銀行同業拆息面臨下行壓力下,資金成本下降速度快於資產收益率。此增長受惠於淨息差較去年同期擴闊23個基點至2.32%,反映我們謹慎的資金成本管理。大新銀行集團的貸款對存款比率由2024年底的67.2%微升至67.8%,與集團温和的貸款增長及嚴謹的存款成本管理相符。非利息收入強勁增長63%,其中包括淨服務費及佣金收入增加21%,及保險服務業績、淨交易收入、淨保險財務支出及其他營運收入合共增加184%,各業務分項均錄得可觀回報。
大新金融及大新銀行集團憑藉較高淨息差、強勁的服務費及交易收入,整體表現穩健,惟部分增幅因營運支出及信貸減值虧損增加而被抵銷。大新銀行集團股東應占溢利增加13%至約16億港元,其中4億4千3百萬港元來自重慶銀行的正面溢利貢獻。受集團保險及投資業務貢獻帶動,大新金融股東應占溢利增長26%。
按大新銀行集團2025年上半年之綜合溢利,年率化平均總資產回報為1.2%及年率化平均股東資金回報為9.2%,而去年同期則分別為1.1%及8.5%。於2025年6月30日,大新銀行集團之綜合普通股權一級資本比率及整體綜合資本充足比率分別為18.2%及22.5%,而流動性維持比率為60.7%。大新銀行的資本及流動資金狀況維持穩健。
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